Compensation Table of Personal Accident Policy in General Insurance

General Insurance industry has devised an insurance cover, known as the Personal Accident Insurance policy for employees as a service benefit or otherwise to induce a sense of security amongst them.

The policy covers the risk of accidental death and /or disablement and the Scope of Cover is world wide. The policy provides compensation in the event of insured sustaining injuries solely or directly from an accident resulting death, permanent total disablement, permanent partial disablement or temporary total disablement.

The policy have separate type of  covers which is insured option and the covers classified given in below mentioned tables

Table -  I

The personal accident policy table-I covers Death only /Loss of two limbs/two eyes or one limb and one eye or loss of one limb or one eye.

Table II

The personal accident insurance covers in table II Permanent Partial Disablement to the insured person.

Table III

The personal accident insurance covers in table III temporary total disablement at 1% of capital sum insured up to 104 weeks.

Personal Accident Insurance Policy Compensation Table

Benefit	Description	Amount of Compensation
1	Death	100% sum insured(capital sum insured)
2	Loss of tow limbs, two eyes or one limb and one eye	100% sum insured
3	Loss or one limb or one eye	50% sum insured
4	Permanent total disablement from injuries other than those named above	100% sum insured
5	Permanent partial disablement	Disable percentage of sum insured
6	Temporary total disablement	1% sum insured(max Rs. 5000/- per week from all policies taken together) maximum up to 104 weeks.